Legal notices

Complaints and feedback

Your satisfaction as a client or potential client is important to us, although we may not always be able to meet all expectations.

Please contact us so we may address your feedback using one of the following options:
-Client feedback and complaints are best addressed directly to your Client Service Manager or Sygnum contact person.
-Client Services on the Sygnum contact form or our Sygnum Legal and Compliance team via [email protected].
-Via our Sygnum contact form here.
-In a letter of complaint addressed to Sygnum with one of the addresses listed here.

Please include the following when you contact us:
-Your contact details
-Your relationship to Sygnum (client, lawyer, company representative)
-Relevant information related to your complaint

Further information on our complaints handling framework is available upon written request and free of charge from [email protected].

If no mutually agreeable solution can be found in contacting us at Sygnum, you can contact the Swiss Banking Ombudsman, a free and impartial information and mediation service provider:
Swiss Banking Ombudsman
Bahnhofplatz 9, PO Box
8021 Zurich, Switzerland
www.bankingombudsman.ch

Deposit insurance

Client deposits at Sygnum Bank AG are protected under the deposit insurance provided by esisuisse. Like other banks and securities firms in Switzerland, Sygnum Bank AG is required to sign the esisuisse Agreement on self regulation for the deposit insurance scheme. Sygnum clients’ deposits are protected up to a maximum of CHF 100,000 per client. Medium-term notes held in the name of the bearer at the issuing bank are also considered deposits. Depositor protection in Switzerland is provided by esisuisse and explained in detail here.

Conflicts of interest - Disclosure

As a provider of a broad range of financial services, Sygnum may face actual and potential conflicts during the course of its activities. These may arise from any one or combination of the following:

  • Sygnum and client relationships
  • Sygnum and vendor or other third party service provider duties
  • Financial service and product-specific duties of Sygnum vis a vis vehicles which issue investment products
  • Employee interests which potentially compete with Sygnum products or services
  • Potentially competing interests between two or more clients

Sygnum utilises various means to prevent and manage conflicts of interest, which include the following:

  • Employee compliance policies and directives that require disclosure, monitoring and reporting of conflicts of interest that arise involving an employee and the Bank and/or a client
  • Clear governance rules relating the handling and management of third-party supplier relationships
  • Mandatory legal, risk and compliance reviews monitoring whether specific activities will give rise to conflicts of interest
  • Provision of internal guidance and training on the handling and disclosure of conflicts of interest

Sygnum discloses conflict of interest in cases where it is not possible to avoid or resolve the conflict. Such disclosure is made in a clear and direct manner, using the appropriate medium. The disclosure must be able to be understood by the affected client, particularly in respect of the risks of potential damage to the client’s own interest.

Information from the SBA regarding the disclosure of client data and other information in international payment transactions and investments in foreign securities.

Please find this information here.

Information from the SBA regarding the disclosure of client details in payment transactions, securities transactions and other transaction types in connection with SWIFT

Please find this information here.

Risks involved in trading financial instruments

Please find this information here.

Risks involved in trading digital assets - Disclosure

Please find this information here.

Guidelines on the treatment of assets without contact and dormant assets held at Swiss banks (Guidelines on dormant assets)

Please find this information here.

Sygnum Disclaimer – Standard

The information in this publication pertaining to Sygnum Bank AG (“Sygnum”) is for general information purposes only, as per date of publication, and should not be considered exhaustive. This publication does not consider the financial situation of any natural or legal person, nor does it provide any tax, legal or investment advice. This publication does not constitute any advice or recommendation, an offer or invitation by or on behalf of Sygnum to purchase or sell any assets. No elements of precontractual or contractual relationship are intended. While the information is believed to be from accurate and reliable sources, Sygnum makes no representation or warranties, expressed or implied, as to the accuracy of the information. Sygnum expressly disclaims any and all liability that may be based on such information, omissions, or errors thereof. Any statements contained in this publication attributed to a third party represent Sygnum‘s interpretation of the data, information and/or opinions provided by that third party either publicly or through a subscription service, and such use and interpretation have not been reviewed by the third party. Sygnum reserves the right to amend or replace the information, in part or entirely, at any time, and without any obligation to notify the recipient of such amendment / replacement or to provide the recipient with access to the information. Simultaneously, there is no obligation of Sygnum to inform recipients of information, if before provided information later becomes outdated, inaccurate or obsolete, unless otherwise provided by applicable law. The information provided is not intended for use by or distributed to any individual or legal entity in any jurisdiction or country where such distribution, publication or use would be contrary to the law or regulatory provisions or in which Sygnum does not hold the necessary registration, approval authorization or license. Except as otherwise provided by Sygnum, it is not allowed to modify, copy, distribute or reproduce, display, license, or otherwise use any content for commercial purposes.

Sygnum Disclaimer – Advertising

The information in this publication pertaining to Sygnum Bank AG (“Sygnum”) is for general information purposes only, as per date of publication and should not be considered exhaustive. This publication does not consider the financial situation of any natural or legal person, nor does it provide any tax, legal or investment advice. This publication does not constitute any advice or recommendation, an offer or invitation by or on behalf of Sygnum to purchase or sell any assets. When making an investment decision, you should either conduct your own research and analysis or seek advice from an expert. No elements of precontractual or contractual relationship are intended. While the information is believed to be from accurate and reliable sources, Sygnum makes no representation or warranties, expressed or implied, as to the accuracy of the information and Sygnum expressly disclaims any and all liability that may be based on such information, omissions, or errors thereof. If nothing is indicated to the contrary, all figures are unaudited. Any statements contained in this publication attributed to a third party represent Sygnum’s interpretation of the data, information and/or opinions provided by that third party either publicly or through a subscription service, and such use and interpretation have not been reviewed by the third party. Sygnum reserves the right to amend or replace the information, in part or entirely, at any time, and without any obligation to notify the recipient of such amendment / replacement or to provide the recipient with access to the information. Simultaneously, there is no obligation of Sygnum to inform recipients of information, if before provided information later becomes outdated, inaccurate or obsolete, unless otherwise provided by applicable law. The information provided is not intended for use by or distributed to any individual or legal entity in any jurisdiction or country where such distribution, publication or use would be contrary to the law or regulatory provisions or in which Sygnum does not hold the necessary registration, approval authorization or license. Except as otherwise provided by Sygnum, it is not allowed to modify, copy, distribute or reproduce, display, license, or otherwise use any content for commercial purposes.

The information herein refers to products and services of Sygnum and therefore constitutes advertising according to Art. 68 of the Swiss Financial Services Act (“FinSA”). Nonetheless, this document contains only general material and does not consider the financial situation of any natural or legal person, nor does it provide any tax, legal or investment advice. In particular, this publication does not constitute (i) any advice or recommendation, an offer or invitation by or on behalf of Sygnum to purchase or sell any assets; (ii) an inducement or incitement to participate in any product, offering or investment; (iii) a prospectus or key information document according to Swiss laws and regulations; nor shall it be construed as such. Where applicable, the full offering documentation of the products mentioned in this publication (such as for example the prospectus, offering memorandum, key information document (Basisinformationsblatt) may be obtained free of charge at Sygnum Bank AG, Uetlibergstrasse 134a, 8045 Zurich, Switzerland and/or by contacting us at https://www.sygnum.com/contact/. Some of the products mentioned in this publication might not qualify as units of a collective investment scheme according to the relevant provisions of the Swiss Federal Act on Collective Investment Schemes (“CISA”), as amended, and are not licensed thereunder. Therefore, neither such products nor the issuer is governed by the CISA nor approved by the Swiss Financial Market Supervisory Authority FINMA (“FINMA”). Accordingly, for such products investors do not have the benefit of the specific investor protection provided under the CISA. These materials and this publication are for distribution only under such circumstances as may be permitted by applicable laws. They are not directed to, or intended for distribution to or use by, any person or entity who is a citizen or resident of or located in any locality, state, country or other jurisdiction where such distribution, publication, availability or use would be contrary to law or regulation or would subject Sygnum or its partners to any registration, licensing or other legal requirement within such jurisdiction.

Unless explicitly stated otherwise, no action has been or will be taken by Sygnum or its partners that would permit a public offering or a distribution of the products or possession or distribution of any offering material in relation to the products in any jurisdiction where action for that purpose is required. No offers, sales, resales or deliveries of any products or distribution of any offering material relating to any products may be made in or from any jurisdiction except in circumstances which will result in compliance with any applicable laws and regulations, and which will not impose any obligation on Sygnum. Where applicable, if and to the extent Sygnum has registered its prospectus with a prospectus evaluation body or a regulatory authority, further reference regarding the applicable selling and transfer restrictions is made to such prospectus.

These materials may include statements that are, or may be deemed to be, “forward-looking statements”. These forward-looking statements include, for example, the terms “believes”, “estimates”, “plans”, “projects”, “anticipates”, “expects”, “intends”, “may”, “will” or “should” or, in each case, their negative or other variations or comparable terminology, or by discussions of strategy, plans, objectives, goals, future events or intentions. Forward-looking statements may and often do differ materially from actual results. Forward-looking statements speak only as of the date they are made. Without prejudice to any requirements under applicable laws and regulations, Sygnum and each of the participating authorized participants expressly disclaims any obligation or undertaking to disseminate any updates or revisions to any forward-looking statements contained in these materials to reflect any change in expectations thereof or any change in events, conditions or circumstances on which any such forward-looking statement is based, whether as a result of new information, future developments or otherwise.

These materials are not a complete statement of the markets and developments referred to herein. Where applicable, some figures may refer to past performances or simulated past performances and past performance is not a reliable indicator of future results. Some figures may be forecasts only and forecasts are not a reliable indicator of future performance. Investment decisions should always be taken in a portfolio context and make allowance for your personal situation and consequent risk appetite and risk tolerance. No reliance may be placed for any purpose on the information contained in these materials or its accuracy or completeness. None of the participating authorized offerors, authorized participants, or distributors or any of their respective directors, officers, employees, advisers or agents accepts any responsibility or liability whatsoever for or makes any representation or warranty, express or implied, as to the truth, accuracy or completeness of the information in these materials (or whether any information has been omitted from them) or any other information relating to Sygnum or associated companies, whether written, oral or in a visual or electronic form, and howsoever transmitted or made available or for any loss howsoever arising from any use of these materials or its contents or otherwise arising in connection therewith.

Local restrictions – Provision of cross-border services

It looks like you are using a computer with an IP address located outside of Switzerland.
If you are located in Switzerland, please click “Continue” to access the Sygnum Bank AG (Sygnum) website.

If you are not located in Switzerland, please read below.

This website and the information contained herein are addressed solely to persons residing or domiciled in Switzerland.

Sygnum is a regulated bank supervised by the Swiss Market Financial Authority (FINMA). The products and services on this website are authorised in Switzerland. Sygnum cannot promote its products and services in other countries where it is not authorised by the supervisory authority of that country to do so.

If you click on “Continue” to visit this website, you confirm that you have read and understood the above and you are visiting this website on your own initiative without any active promotion or solicitation from Sygnum.

Investor qualification

The following content is available to qualified investors. Please confirm your details below to visit this page, or please see our other digital asset updates here.

Security alert

Stay alert to fraudulent communications. Sygnum will never post messages on social media or private messaging applications regarding e-banking access or logins. If you have concerns, contact us.

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